AU Bank LIT Credit Card v. Yes Bank BYOC Credit Card

In today's blog, we will provide you with information about the AU Bank LIT Credit Card v. Yes Bank BYOC Credit Card, specifically about their welcome benefits, cashback rate, and more. For more information, read below:

AU LIT Credit Card

The AU LIT Credit Card, also known as Live It Today, is a unique offering by AU Small Finance Bank that gives cardholders full freedom to personalize their credit card experience. Unlike most credit cards that come with a fixed set of features, many of which people never end up using, AU LIT is designed with flexibility at its core. The card itself has no joining fee or annual charges, which means you don’t pay anything just to own it. Instead, it works on a “pay-for-what-you-use” model.

Through the AU 0101 app, customers can activate benefits of their choice, such as higher reward points, cashback on online or grocery spends, complimentary airport lounge visits, fuel surcharge waivers, or entertainment subscriptions like Amazon Prime and ZEE5. Each benefit comes with a small fee and is valid for 90 days, giving you the option to switch features on or off depending on your lifestyle at that time.

YES Bank BYOC Credit Card

The YES Bank BYOC Credit Card is built to give the power of customization in users' hands, and this is an innovative product that gives cardholders the freedom to design their benefits instead of settling for a standard set of features. Not like most credit cards, where the rewards and privileges are fixed, this card lets you select categories that match your lifestyle, be it dining, online shopping, travel, groceries, or fuel. The users will get the rewards wherever they spend the most, ensuring that they get the maximum value back on their everyday expenses. This flexibility makes the card more relevant for a wide range of users, from frequent travelers to people who prefer shopping online or eating out often.

Another highlight of the BYOC Credit Card is the straight rewards structure. You earn accelerated reward points in the categories you’ve chosen, while still earning base points on other spends. The points can then be redeemed for vouchers, merchandise, or even adjusted against your credit card statement, making them fairly useful. What makes the card attractive is that you’re not stuck with your choices forever; you can update your preferred categories if your spending pattern changes over time.

What Are The Welcome Benefits:

AU LIT Credit Card:

• None

YES Bank BYOC Credit Card:

• Welcome Benefit: Users will get a free Amazon voucher worth INR 500 on spending INR 1000 within the first 30 days.

What Are The Milestone Benefits:

AU LIT Credit Card:

• Milestone benefit: 5% cashback 3 times over 90 days for retail spending in addition to 1 reward point per Rs 100 spent.

• Minimum retail spends of Rs 10,000 & max. cashback of Rs 500 over 30 days.

• Additional 2% cashback 3 times over 90 days for retail spends in addition to 1 reward point per Rs 100 spent.

  
  

Example:

• If user will purchase INR 1,00,000 mobile phone and applying the AU Bank milestone cashback caps:

1. 5% Cashback Milestone

• Eligible only if you spend minimum INR 10,000.

• On INR 1,00,000, 5% = INR 5,000.

• But capped at INR 500 per 30 days. So, you will get INR 500 cashback here.

  
  

2. 2% Cashback Milestone

• Eligible only if you spend minimum INR 15,000.

• On INR 1,00,000, 2% = INR 2,000.

• But capped at ₹1,000 per 30 days. So, you will get INR 1,000 cashback here.

  
  

3. Reward Points

• You also earn 1 Reward Point per INR 100 spent.

• On INR 1,00,000 spend → 1,000 Reward Points.

YES Bank BYOC Credit Card:

• None

What Are The Cashback Rates:

AU LIT Credit Card:

• 1 Point = Rs. 0.25. 

• Reward System:  AU LIT Credit Card allows you to choose the kind of cashback you want with your credit card.

• The credit card fee will depend on the cashback categories you choose. The categories availiable are as follows:

  (a) 2.5% cashback on all online transactions or 1.25% cashback on all online transactions,

  (b)  2.5% cashback on all offline transactions or 1.25% cashback on all offline transactions,

  (c) 5% cashback for grocery and apparel.

• The annual fee will depend on how many categories you choose and whether you select the higher cashback % (2.5%) or the lower one (1.25%).
  

YES Bank BYOC Credit Card:

• Users will get 1% cashback on all spends.

• General Cashback Rate: 1%

• User can choose certain merchants and get 10% cashback on purchases linked to those merchants. The merchants can be chosen out of the following 5 brands: BookMyshow, Pharmeasy, Bigbasket, Swiggy, Uber. Cardholders have 3 plans silver (2 merchants can be chosen) INR 99 per month + GST, gold  (3 merchants can be chosen) INR 149 per month + GST, platinum (all 5 merchants can be chosen) INR 240 per month + GST.

• Special Cashback Rate: 10%

  
  

What Are The Movie Benefits:

AU LIT Credit Card:

2.5% or 1.25 cashback depending on the reward pack chosen.

YES Bank BYOC Credit Card:

Special Cashback Rate of 10% if Bookmyshow has been chosed by user as a preferred merchant.

What Are The Dining Benefits:

AU LIT Credit Card:

2.5% or 1.25 cashback, depending on the reward pack chosen.

YES Bank BYOC Credit Card:

Special Cashback Rate of 10% if Swiggy has been chosen by user as a preferred merchant.

What Are The Other Benefits:

AU LIT Credit Card:

• None

YES Bank BYOC Credit Card:

• User can chose card materia - metal, plastic or eco firendly.

• Speical cashback of 10% in case of preferred merchants.

• Credit shield cover of INR 2.5 Lakh.

What Are The Lounge Benefits:

AU LIT Credit Card:

• 2 complimentary airport lounge accesses every quarter

YES Bank BYOC Credit Card:

• 1 complimentary domestic airport lounge visit per quarter.

Fees And Charges:

AU LIT Credit Card:

• Joining fees: NIL

• Annual fees: NIL

• Cash Advance fees: 2.5% of amount withdrawn, subject to a minimum of ? 100.

• Late payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.

• Interest rate: 3.49% per month (41.88% annually).

YES Bank BYOC Credit Card:

• Joining fees: NIL

• Annual fees: NIL

• Cash Advance fees: 2.5% of amount withdrawn or INR 500, whichever is higher.

• Late payment fees: Late payment fee charged depending on the customers, total amount due; ranges from Rs. 0-1500.

• Interest rate: 3.8% p.m (45.6% p.a).

How to apply for Credit Card?

AU LIT Credit Card:

• Here are the steps on how to apply for an AU Bank LIT Credit Card:

• Visit the AU Bank website or download the AU 0101 app.

• Click on the "Apply for Credit Card" tab.

• Select the LIT Credit Card.

• Enter your personal details, such as your name, address, and contact information.

• Enter your income and employment details.

• Select the features and benefits that you want on your card.

• Submit your application.

• You will need to provide the following documents to complete your application:A copy of your PAN cardA copy of your latest bank statementA copy of your latest salary slip (if applicable)AU Bank will review your application and let you know the status within a few days. If your application is approved, you will receive your card in the mail within a few weeks.

  
  

Contact Details

Toll Free No: 1800 1200 12001800 26 66677Email: customercare@aubank.in

YES Bank BYOC Credit Card:

Here are the steps on how to apply for Yes Bank's BYOC Credit Card:

• Go to the Yes Bank website and click on the "Apply for Credit Card" tab.

• Select the "BYOC Credit Card" option.

• Enter your personal details, such as your name, email address, and contact number.

• Enter your income details and employment status.

• Choose your credit limit and tenure.

• Select your preferred features and benefits.

• Upload your scanned copies of your PAN card, Aadhaar card, and latest salary slip.

• Click on the "Submit" button.

• A Yes Bank representative will contact you to verify your details and complete the application process.

Contact Details

Toll Free No: 1800 103 60001800 103 1212Email: yestouchcc@yesbank.in.

Conclusion:

AU Bank LIT and Yes Bank BYOC are designed for people who want freedom to choose their card benefits, but they work a little differently. The AU LIT card allows users to pay for what you use , where you select features like cashback, lounge access, or milestone offers and pay a small fee only for those benefits. It suits someone who likes to keep costs flexible and adjust features depending on their lifestyle.

This makes the AU LIT Credit Card especially appealing for people who don’t want to be tied down to one type of reward system or annual plan. For example, if you’re traveling a lot in one quarter, you can enable lounge access and travel rewards, but later switch to shopping and dining perks when your spending habits change. The idea is to give you maximum control and transparency to the users, ensuring they only pay for perks that add real value. In essence, this is the card that accepts your spending habits and changes the rewards accordingly.

On the other hand, the Yes Bank BYOC card lets you pick your reward categories right at the start and earn accelerated points in those areas, while still covering general spends with base rewards. It works well for people who want steady, predictable returns in categories they spend on the most, without tweaking features every now and then.

This adaptability gives the BYOC card an edge that it plays the role of every traditional credit card, and fits in one size. In addition to customizable rewards, the card also comes with standard benefits like fuel surcharge waivers, EMI conversion options, and access to YES Bank’s digital platforms for easy management. The annual fee is reasonable considering the level of personalization it offers, and for people who use credit cards as their primary mode of payment, the savings can add up quickly. In short, the YES Bank BYOC Credit Card is designed to put the power in customers' hands, making it a smart choice for anyone who prefers flexibility, control, and value in their financial tools.

In short, AU LIT is about flexibility and short-term customization, while Yes Bank BYOC is about consistency and long-term value. So, if you are someone who enjoys switching benefits based on changing needs, AU LIT feels like a smart, flexible choice. But if you prefer consistency, simple cashback, and a long-term rewarding plan, BYOC has choices. Both cards are innovative in their own way, LIT focuses on freedom and short-term control, while BYOC focuses on stability and steady value.

If you want to know the unbiased AI score of  AU LIT Credit Card, read their detailed review, click here

If you want to know the unbiased AI score of Yes Bank BYOC Credit Card, read their detailed review, click here